Your personal financial freedom

With the installment facility you can control the payment of your credit card expenses discreetly and without complications. You decide yourself which amount of your monthly statement you would like to remit.* Only a minimum payment of 5 % of the total statement amount, but no less than 50 CHF, is due each month. The installment facility of your credit card gives you the flexibility and convenience you need within your card limit.

Instead of paying the whole credit card statement all at once, you can distribute repayment over several months. Each month you decide yourself which amount you want to transfer. The monthly minimum amount is indicated clearly on your monthly invoice.

First you should check if the installment facility is already active for your credit card. You can see this by looking at your monthly statement. If the amount under «Minimum payment» is lower than the total amount of your monthly invoice, this means that the installment facility is activated. If not, the appropriate application form can be filled in on the screen and sent to Swisscard AECS GmbH. We will pay the postage for you. Please use the prepaid envelope for this.

We assess your credit rating according to the details given by you. Following this assessment, we define a credit limit for your credit card, which corresponds with the spending limit of your card. You may use the installment facility within your credit limit. Please note that we will adjust your credit limit should your financial situation deteriorate. This is for your own protection. As a matter of course, you may apply for an increase of your credit limit with an improvement of your financial situation.

We recommend planning your budget carefully. The Balance Protection Insurance your payment obligation in the framework of the insurance conditions, so that in the event of a sudden emergency situation, such as disability or unemployment, you suffer no financial shortages.